Call reports 2006
AMERICAN BANK OF COMMERCE — 2006
What AMERICAN BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 550,707,000 | 553,010,000 | 574,331,000 | 610,084,000 |
| Total loans | 411,878,000 | 418,369,000 | 445,768,000 | 472,635,000 |
| Allowance for loan losses | 4,082,000 | 4,268,000 | 4,433,000 | 4,679,000 |
| Securities available for sale | 85,507,000 | 76,663,000 | 75,047,000 | 82,170,000 |
| Securities held to maturity | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,986,000 | 490,586,000 | 515,919,000 | 543,627,000 |
| Interest-bearing deposits | 405,540,000 | 410,560,000 | 442,631,000 | 461,173,000 |
| Noninterest-bearing deposits | 79,446,000 | 80,026,000 | 73,288,000 | 82,454,000 |
| Equity capital | 36,970,000 | 37,970,000 | 39,741,000 | 41,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,674,000 | 20,039,000 | 30,964,000 | 42,881,000 |
| Interest expense | 3,042,000 | 6,474,000 | 10,252,000 | 14,611,000 |
| Net interest income | 6,632,000 | 13,565,000 | 20,712,000 | 28,270,000 |
| Noninterest income | 918,000 | 1,915,000 | 2,710,000 | 3,606,000 |
| Noninterest expense | 4,848,000 | 9,817,000 | 14,879,000 | 19,938,000 |
| Provision for loan losses | 230,000 | 479,000 | 675,000 | 971,000 |
| Pretax income | 2,472,000 | 5,184,000 | 7,868,000 | 10,967,000 |
| Income tax | 872,000 | 1,844,000 | 2,698,000 | 3,750,000 |
| Net income | 1,600,000 | 3,340,000 | 5,170,000 | 7,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,368,000 | 38,580,000 | 39,881,000 | 41,204,000 |
| Total capital | 41,450,000 | 42,848,000 | 44,314,000 | 45,883,000 |
| Risk-weighted assets | 442,426,000 | 458,048,000 | 491,030,000 | 517,480,000 |